logo

Menu Display

Breadcrumb

wrp-slide wrp-mobile

Har Sapna Hoga Poora with a Guaranteed¹ with a Returns Plan

Life is better when you have financial certainty with assured¹ returns
and an Enhanced Cover option that lets you protect your loved ones
with 20x your premium⁴. Presenting, Edelweiss Tokio Life Guaranteed
Savings STAR, with affordable savings, life cover and tax benefits³.

Product Enquiry

Take a step ahead to secure your goals

Download Brochure
Get Started

Guaranteed Savings Star Nav Web

Guaranteed Savings Star brouchure

scroll2
Secure your future by starting now and gaining a comprehensive understanding of the plan
productbrochure
Product Brochure
down-file View Download
samplecontact
Sample Contract
down-file View Download
ratetable
Rate Table
down-file View Download

Reasons Why This Plan is Suitable for Tomorrow!

Reasons Why This Plan is Suitable for Tomorrow!

Reason-1

Guaranteed¹ Returns Jaise Aap Chaho!

Choice to receive guaranteed¹ returns as lumpsum at maturity or in of 5 equal annual instalments

Reason-2

Protection, 10x or 20x?

Base or Enhanced Cover to cater to your family’s future financial protection needs with 10 times or 20 times the premiums⁴

Reason-3

Benefits, Family ke Liye!

Option to continue reaping policy benefits with all future premiums waived off, on unfortunate demise or diagnosis of a critical illness

Reason-4

Tax Ki Bhi Bachat³!

Save taxes up to ₹64,116* with premiums u/s 80(C) and avail tax benefit³ on your maturity benefit u/s 10(10D)

Benefits of Guaranteed Saving STAR

Benefits of Guaranteed Saving STAR

01-Lumpsum-Regular-Guaranteed-Return
02-Enhanced-cover
03-century-long-protection
04-Family-Income-Benefit
05-Tax-Benefit

Pay-out as you like! With an option to receive guaranteed1 returns as lumpsum at maturity or in a regular stream of 5 equal annual  instalments, this is the plan you need to chase your dreams. Such flexibility makes it easy for you to fulfil future goals such as buying your dream house, a luxury car, saving for your child’s higher education, etc.

01-Lumpsum-Regular-Guaranteed-Return

Higher cover for advanced security! This plan offers Enhanced Cover option, through which you can safeguard your loved ones’ futures with 20x the premium4 paid in case you’re not around to look after them.

02-Enhanced-cover

Hit a century, tension-free! Guaranteed1 savings and life cover for a policy term as high as 40 years. On entering the policy at age sixty, protect your loved ones till you hit a century and enjoy savings that lasts a lifetime.

03-century-long-protection

Benefits you can’t ignore! This optional benefit ensures that in case of an unfortunate death or diagnosis of covered Critical Illness, you and/or your family continues to receive the policy benefit, with all future premiums waived off. There are two options under this benefit - Family Income Benefit on Death & Family Income Benefit on Critical Illness and Death.

04-Family-Income-Benefit

Deductions, that everyone dislikes! The premiums you pay towards this plan are eligible for tax deductions up to ₹64,116* under section 80(C) and the returns you receive have tax benefits³ under section 10(10D). This makes investing in this plan a smart investment.

05-Tax-Benefit

Choice of 5 Riders

Choice of 5 Riders⁹

Accidental Death Benefit Rider

With this rider, you can get a lump sum amount to manage your expenses in case total or permanent accidental disability has hindered your earning capacity.

Know More

Accidental Total and Permanent Disability Rider

With this rider, you can get a lump sum amount to manage your expenses in case total or permanent accidental disability has hindered your earning capacity.

Know More

Payor Waiver Benefit Rider

With this rider, if the proposer of the policy suffers from an unfortunate event like death, disability or critical illness, all future premiums are waived off and the policy continues for the life insured.

Know More

Get Guaranteed¹ Income in just 4 steps!

Get Guaranteed¹ Income in just 4 steps!

1

Pick the Basics

  • Select your plan option
  • Choose the amount you want to start saving
  • Choose your policy term, premium paying term & frequency (Note-Sum Assured on Death and Sum Assured on Maturity will be determined based on the above inputs plus your age & gender)
2

Customize Your Plan

  • Opt for Lumpsum benefit
  • Opt for Family Income Benefit on Death or Family Income Benefit on Critical illness & Death
  • This can be opted for at policy inception only
3

Enhance Your Plan

  • Choose from six riders
  • Get enhanced protection with the rider(s) selected
4

Sit Back and Relax

  • Submit the requested documents
  • Let us verify your details so you can start getting guaranteed income!

Asset Publisher

More Products You'd Love to Explore

Capital Guarantee¹: Assurance Amidst Market Fluctuations

Market-linked returns, with an additional benefit of guaranteed¹ return of your total invested premium at maturity

  • Benefits of market-linked returns and guaranteed¹ lumpsum in one plan

  • Enhanced cover option with sum assured & booster additions

  • Little Star Benefit option to protect your child’s future

  • Tax benefits³ u/s 80c & 10(10d) to shield your savings

BUY NOW

Har Sapna Karo Poora with Guaranteed¹ Savings!

Guaranteed¹ returns, enhanced cover option, tax benefits³, and more… all with premiums just Rs. 3,000/month^².

  • Choice to receive guaranteed¹ returns as lumpsum or in 5 equal annual instalments

  • Enhanced Cover option to secure your family with 20x the premium^⁴ paid

  • Guaranteed¹ savings & life cover for a policy term as high as 40 years

  • Family Income Benefit option to ensure your family doesn’t have to compromise on dreams

BUY NOW

Future Guaranteed¹ Income, now possible!

Makes sure nothing gets in the way of you and your dreams.

  • Guaranteed¹ Income + Protection + Tax Benefits³ in one plan

  • Pick from 4 plan options basis life goals – Lumpsum, Short Term Income, Long Term Income & Retirement Income

  • Family Income Benefit option ensures your family doesn’t have to compromise dreams

  • 6 Riders available to enhance your plan⁹

BUY NOW

Need expert advice

chat

Need expert advice?

Chat with our experts

Reasons Why You’re Bound To Love Us Back Premier Guaranteed Income Customize

Reasons Why You’re Bound To Love Us Back

claim

99.20% Claim Settlement Ratio**

Our Promise of Integrity- 99.20% Claim Settlement Ratio** for FY 2023

customersupport

Best Customer Experience

Customer Experience Excellence in CX 2022 – Economic Times CX Summit^³

Testimonial Rating

Here's Why Our Customers Adore Us

Look at what people had to say about our services
Our customers say
Good
5/5
based on 600 reviews

Asset Publisher

ETLICustomer

He was very much clear about the issue and the importance of it.. Thanks rohit

Anisha Shashidharan

(sr.associate)
ETLICustomer

Your customer support is doing excellent job.keep up the good work.

Nilesh Pawar

(manager)

Fire Away Queries Guaranteed Savings Star

Fire Away Queries

Like teachers say, there are no silly questions

Why should I invest in a guaranteed savings plan?

A guaranteed savings plan is a great choice for someone who wants to save and accumulate wealth for the future. It helps you create financial discipline in your life. Along with life insurance coverage, such plans also provide guaranteed returns. With the guaranteed returns received from the plan, you can easily plan and fulfil your long-term and short-term goals.

Was this helpful?

Edelweiss Tokio Life – Guaranteed Savings STAR is a guaranteed returns plan designed for you to save for your future. You can choose to receive your pay-out as lumpsum or as a regular stream over 5 years. With two plan options, i.e., Base Cover and Enhanced Cover, you can also protect your loved ones with 10x and 20x sum assured of the premium paid, respectively.

Was this helpful?

This plan helps any earning/business professional to set aside regular savings as small as Rs. 500 per month for wealth creation and tax-benefits. Be it a working woman, salaried professional, self-employed or businessman, this plan provides you a boost to fulfil your goals. With a savings plan, you can achieve life goals like child’s education or marriage. You can also fulfil other goals such as buying a luxury car, your dream home or planning a peaceful retirement. 

Was this helpful?

Yes, all the benefits in this plan are guaranteed.

Was this helpful?

Life Cover is available throughout the policy term, provided all premiums are paid and the policy is in-force.

Was this helpful?

The product offers following two Plan Options.  The Policyholder needs to select one of the Plan Options at inception – Base and Enhanced Cover. 

  • Base Cover offers 10 times the Annual/Annualized Premium. 
  • Enhanced Cover offers 20 times the Annual/Annualized Premium.

Was this helpful?

With ‘base’ plan option, there is an additional optional benefit of Family Income Benefits - Family Income Benefits on Death and Family Income Benefits on Critical Illness and Death. This benefit ensures that in case of an unfortunate event of death or diagnosis of covered Critical Illness of the Life Insured, you and your loved ones don’t have to compromise on your dreams as you/they will continue to receive benef

Was this helpful?

For the Base Cover option, the Premium Paying Term (PPT) options are 5, 8, 10 & 12 years. However, if you plan to go for the Enhanced Cover option, the Premium Paying Terms (PPT) are 8, 10 and 12 years.

Was this helpful?

Yes, you can get a policy loan once policy acquires surrender value. 

Was this helpful?

You have a period of 15 days from the date of the receipt of the policy document. Policies sold through Distance Marketing will have a free look period for 30 days.

Was this helpful?

In case of death due to suicide within 12 months from the risk commencement date or from the date of revival of the policy, your beneficiary shall be entitled to receive at least 80% of the Total Premiums Paid, provided the policy is in in-force.

Was this helpful?

A rider is an additional and optional benefit that you can choose, to enhance your plan.

Was this helpful?

Following are the riders available with this plan: 

  • Edelweiss Tokio Life - Accidental Death Benefit Rider
  • Edelweiss Tokio Life - Accidental Total and Permanent Disability Rider
  • Edelweiss Tokio Life - Critical Illness Rider
  • Edelweiss Tokio Life - Waiver of Premium Rider
  • Edelweiss Tokio Life - Payor Waiver Benefit Rider

Was this helpful?

Grace period of 15 days, where you pay the Premium monthly, and 30 days in all other cases, is available.

Was this helpful?

When bought online, the minimum premium for annual mode is Rs 6,000, for semi-annual mode is Rs. 3,072, for quarterly mode is Rs. 1,560 and for monthly is Rs. 500. There is no limit for maximum premium and is subject to board approved underwriting policy.

Was this helpful?

The minimum entry age without Family Income Benefit is 0 years and with Family Income Benefit is 18 years. 

Was this helpful?

Any Queries For Guaranteed Savings Star

mail-info

We are always there for you!

For queries, write to onlinesales@edelweisstokio.in
Contact us on 022 6611 6044

1- This is applicable only if all due premiums are paid and the policy is inforce.

2 - The minimum premium amount under this plan is ₹ 500/- per month when bought online. The premium amount is applicable when premium payment mode is selected as annual. The minimum premium for annual mode is consistent with minimum sum assured on death available under the product. For other than annual mode, the minimum premium is consistent with minimum premium for annual mode after allowing for modal factors.

3- As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

4 – On selecting plan option Enhanced Cover, the Sum Assured on Death at any point of time, provided the policy is in-force is highest of: - 20 times the annualized premium or any absolute amount assured to be paid on death or 20 times the annual premium. Annualized Premium shall be the premium amount payable in a year chosen by the Policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any. Annual Premium shall be the premium payable in a year chosen by the Policyholder, including loadings for modal premiums and the underwriting extra premiums, if any but excluding the taxes, rider premiums, if any.

5 – On selecting plan option Base Cover, the Sum Assured on Death at any point of time, provided the policy is in-force is highest of: - 10 times the annualized premium or any absolute amount assured to be paid on death or 10 times the annual premium. Annualized Premium shall be the premium amount payable in a year chosen by the Policyholder, excluding the taxes, rider premiums, underwriting extra premiums and loadings for modal premiums, if any. Annual Premium shall be the premium payable in a year chosen by the Policyholder, including loadings for modal premiums and the underwriting extra premiums, if any but excluding the taxes, rider premiums, if any.

6 - Income Benefit payouts are paid End of the Year.

9- Riders are Optional and available at extra cost. Please refer rider brochure for more details.

* Tax benefit of ₹ 46,800 is calculated at highest tax slab rate of 30% (in addition to income tax, cess of 4% is also applicable) on life insurance premium u/s 80C of ₹ 1,50,000. As per provisions of Income Tax Act, 1961. Tax benefits are subject to changes in tax laws.

^²  - https://cloud-user-recordings-ffmpeg-converted-prod.s3-ap-south-1.amazonaws.com/recordings/ccd117b0-be48-11eb-9782-b590083730e8/3b7e25a3-b9b4-47b0-9f68-70eeb8062d60/ccd117b0-be48-11eb-9782-b590083730e8_0001_474830a2.mp4 (Quantic Business Media)

^³ - Excellence in CX-2022 has been received at the 3rd Edition of The Economic Times CX Summit. This award has been given to those organisations who have demonstrated excellence in Customer Experience in FY22.

Edelweiss Tokio Life - Guaranteed Savings STAR is a Non-Linked, Non-Participating, Individual, Savings, Life Insurance Plan. Tax benefits are subject to changes in the tax laws. The tax benefits under this Policy may be available as per the prevailing Income Tax laws in India. For more details on risk factors and terms and conditions, please read sales brochure carefully before concluding a sale. 

IRDAI Reg. No.: 147. CIN: U66010MH2009PLC197336. UIN: 147N074V02.

ARN: WP/3437/Oct/2023